IPF Digital

Name

IPF Digital

Legal name

IPF Digital

Website

https://ipfdigital.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

IPF Digital is a digital consumer credit provider serving 250,000+ individual borrowers across 6 countries through the Creditea MW and Credit24 brands. It operates as a subsidiary of the London-listed International Personal Finance Group, generating revenue from interest and fees on online personal loans.

Ownership category

akta.pro rank

Product category

Consumer Lending

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Online consumer credit
• Digital lending services
• Consumer finance solutions
• Personal loan products
• Non-bank credit provider

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Marketing or Sales, Personnel, Others

Revenue model

1. Credit/Lending Services: IPF Digital provides online credit solutions, generating revenue through interest and fees on loans extended to customers. Customers take out and repay credit through the company's digital platforms.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

IPF Digital provides online consumer credit solutions, enabling individual customers to apply for, take out, and repay personal loans entirely through digital channels. It operates two consumer-facing sub-brands—Creditea MW and Credit24—across six countries, serving more than 250,000 active customers who prefer digital borrowing and self-service loan management.

Differentiator

Problem solved

Functional benefit

Brands

• Creditea MW: Credit brand operating in one of the 6 countries served by IPF Digital
• Credit24

Products and services

• Creditea MW Online consumer credit brand offering fast, flexible, and user-friendly digital credit solutions to individual borrowers who prefer to take out and repay loans online.
• Credit24 Online consumer credit brand providing digital lending services to customers across multiple markets, enabling personal borrowing and loan management through the brand's online platform.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Direct peers

• Ferratum (Multitude SE): Multitude SE (formerly Ferratum) is a Finland-headquartered digital lender offering online consumer and SME credit across European markets. It is one of the closest direct competitors to IPF Digital in online installment lending for consumers.
• 4finance Group: 4finance Group operates a portfolio of online consumer lending brands across the Baltics, Central, and Eastern Europe, directly overlapping with IPF Digital's Credit24 in target customer, product type, and digital distribution model.
• Bigbank: Bigbank is an Estonian-headquartered consumer and SME lender offering online credit products across the Baltics and broader Europe. It is a direct peer given its Estonian origin, online installment lending focus, and overlapping customer base with IPF Digital.
• Avant: Avant is a US-based online consumer lender specializing in unsecured personal loans to non-prime borrowers via a fully digital channel. Closely comparable to IPF Digital in product type, target segment, and digital-only distribution.
• LendingPoint: LendingPoint is a US fintech offering online personal installment loans to near-prime and non-prime consumers. Comparable in product structure (unsecured installment), customer segment, and digital underwriting approach.
• Elevate Credit: Elevate is a US-based online lender focused on non-prime consumers with installment and lines-of-credit products. Comparable to IPF Digital in digital-first, non-prime consumer installment lending and cross-state regulatory navigation.

Regional players

• Mogo Finance: Mogo Finance is a Latvia-based online consumer and vehicle-secured lender active across the Baltic and CIS markets. Comparable to IPF Digital in Baltic-region online consumer credit focus, though with greater emphasis on secured lending.

Broad incumbents

• Provident Financial: Provident Financial is a long-established UK-listed consumer credit provider historically focused on home credit and online lending. Comparable to IPF Digital as a broader established player in non-prime consumer credit with overlapping digital products.
• Enova International: Enova International is a US-listed online consumer and SMB lender offering installment loans and lines of credit via digital channels. Comparable as a broader online non-prime consumer credit operator with overlapping product set.

Emerging players

• Cash Converters International: Cash Converters operates alternative financial services including personal loans across the UK, Australia, and other markets. Comparable to IPF Digital in serving non-prime consumer credit demand with a multi-country footprint, though with a store-based component.

Market position

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IPF Digital